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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $292,419 | $162,136+80.4% | $152,301+92.0% | $154,746+89.0% |
| Participation rate | 87.5% | 84.1%+3.4pp | 82.4%+5.1pp | 80.7%+6.8pp |
| Annual return | 18.67% | 91.02%-72.4pp | 80.50%-61.8pp | 172.34%-153.7pp |
| Employer contribution / active EE | $644 | $4,890-86.8% | $4,624-86.1% | $4,379-85.3% |
| Participant deferral / active EE | $11,264 | $8,341+35.0% | $8,004+40.7% | $6,730+67.4% |
| Admin fee / account holder | $7,566 | $15,759-52.0% | $14,398-47.4% | $14,365-47.3% |